0% introductory APR for 15 months on balance transfers, then 12.15% – 25.99% variable APR. Balance transfer fees apply. When you apply for this card, simply fill in the balance transfer information on the application. See the full terms and conditions.

Turn everyday purchases into extraordinary rewards when you shop and earn rewards points with the Wells Fargo Rewards Card. You can also earn bonus points at over 3,000 online and in-store retail merchant locations. Visit the Earn More Mall® site to learn about participating merchants nationally and in your local neighborhood.

Wells Fargo Rewards card questions

What can I get when I redeem my rewards points?

Airfare that lets you travel your way virtually anywhere, anytime with fewer restrictions. You can also redeem points online for hotels, car rentals, and activities or call to book a cruise. You have an array of payment options for travel including rewards points, a Wells Fargo Credit or Debit Card, or a combination of points and a payment card.

A wide range of gift cards from your favorite retailers and restaurants.

How long will it take to receive rewards that I order?

Gift certificates and gift cards are mailed within 7 – 10 business days of your redemption order. All merchandise items are subject to availability and will usually ship within 2 – 6 weeks from the date of the request.

Explore rich rewards with Visa Signature®

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

Five (5) rewards points (one (1) base plus four (4) bonus) are earned for every $1 spent on net purchases (purchases minus returns/credits) during the first six (6) months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations; and for all other purchases, one (1) rewards point is earned for each $1 spent in net purchases. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus rewards points. Certain purchases/transactions do not earn points. Please see the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Rewards Visa® card for details.

For airline ticket redemptions, the number of points required to be redeemed is equivalent to the ticket costs divided by .01, rounded up to the nearest whole point. A separate $24.00 per airline ticket processing fee will apply.

Participating merchants of the Earn More Mall site control the variability of the offers shown. Bonus points are earned on net purchases (purchases minus returns/credits) only. To see the complete terms and conditions, please visit earnmoremall.com.

Overdraft protection advances are treated as cash advances. An overdraft fee will be charged each day an Overdraft Protection advance is made and interest will accrue from the date each advance is made. See the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your checking account to your savings account for overdraft protection. No interest is charged on overdraft protection transfers from your savings account. However, fees do apply. See the Consumer Account Fee and Information Schedule for your savings account for further details.

Protection is subject to a $25 deductible and maximum benefit limit of $600 per occurrence. Protection covers cellular telephones billed to your Wells Fargo Consumer Credit Card, subject to a maximum of two claims, per twelve-month period, per Wells Fargo Consumer Credit Card account number. Protection covers the primary line and up to the first three additional lines listed on your provider’s monthly statement. Cellular telephones that are stolen or damaged are protected. This protection is only available when cellular phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cellular phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card or from the card that is linked to a Line of Credit. This benefit does not cover cellular telephones that are lost. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card and remains in effect when you continue to charge your monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner's or automobile insurance policies, or through a plan provided through the seller of the telephone. Read all the coverage benefits and exclusions (PDF)* for this protection.

All rewards redemption options are subject to availability and we may withdraw, change, or replace specific rewards items, or change the number of points required at any time and without notice.

Thank You

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.